Since 2011, we've helped more than 5 million visitors understand Medicare coverage.

A PROPERTY OF HEALTHINSURANCE.ORG, LLC, A NON-GOVERNMENTAL ENTITY
Get a quote From a licensed third party agency
Get a quote From a licensed third party agency
A PROPERTY OF HEALTHINSURANCE.ORG, LLC, A NON-GOVERNMENTAL ENTITY
Enrollment options
Featured
How are Medicare benefits changing for 2026?
Learn how premiums, out-of-pocket costs and income-related surcharges are changing for 2026 Medicare coverage.
Latest News & Topics
Featured
What is the income-related monthly adjusted amount (IRMAA)?
For 2026, Medicare beneficiaries who earn over $109,000 a year and who are enrolled in Medicare Part B and/or Medicare Part D – pay the income-related monthly adjusted amount (IRMAA), which is a surcharge added to the Part B and Part D premiums.

determination

What is determination?

determination infographic

What is determination?

Determination in Original Medicare is a reference to either the National Coverage Determination (NCD)1 process or a Local Coverage Determination (LCD) process,2 under which rules are established for what services Medicare will cover.

Medicare Advantage plans are required to cover all services that are covered by Original Medicare, and they can also cover various additional services.3

But Medicare Advantage plans and Medicare Part D plans also have their own coverage determination protocols to ensure, for example, that prior authorization is obtained when necessary, or that an enrollee is using an in-network medical provider if that’s a plan requirement.

Enrollees can request a coverage determination from their Medicare Advantage or Part D insurer, to find out whether a particular service will be covered.4

Footnotes

  1. Medicare Coverage Determination Process” Centers for Medicare & Medicaid Services. Accessed June 27, 2025 
  2. Local Coverage Determinations” Centers for Medicare & Medicaid Services. Accessed June 27, 2025 
  3. Understanding Medicare Advantage plans” Medicare.gov. Accessed June 27, 2205 
  4. Coverage Determinations” Centers for Medicare & Medicaid Services. Accessed June 27, 2025